{"id":9838,"date":"2025-10-23T11:20:37","date_gmt":"2025-10-23T11:20:37","guid":{"rendered":"https:\/\/www.amlcc.com\/?p=9838"},"modified":"2026-08-07T10:06:55","modified_gmt":"2026-08-07T10:06:55","slug":"what-is-the-role-of-the-mlro","status":"publish","type":"post","link":"https:\/\/www.amlcc.com\/dm\/what-is-the-role-of-the-mlro\/","title":{"rendered":"What is the role of the MLRO?"},"content":{"rendered":"\n<div class=\"wp-block-uagb-container uagb-block-8cdf7575 alignfull uagb-is-root-container\"><div class=\"uagb-container-inner-blocks-wrap\"><h1 style=\"margin-top:0;margin-bottom:0\" class=\"wp-block-post-title\">What is the role of the MLRO?<\/h1>\n\n\n<div class=\"wp-block-uagb-info-box uagb-block-4293da6b uagb-infobox__content-wrap  uagb-infobox-icon-left-title uagb-infobox-left uagb-infobox-image-valign-middle\"><div class=\"uagb-ifb-content\"><div class=\"uagb-ifb-left-title-image\"><div class=\"uagb-ifb-image-content\"><img decoding=\"async\" src=\"https:\/\/www.amlcc.com\/wp-content\/uploads\/2024\/09\/Richard-Simms-AMLCC-956x1024.png\" alt=\"Richard Simms\" width=\"80\" height=\"85\" loading=\"lazy\"\/><\/div><div class=\"uagb-ifb-title-wrap\"><span class=\"uagb-ifb-title-prefix\">Richard Simms<\/span><h3 class=\"uagb-ifb-title\">Director and Founder of AMLCC and AMLCC Consult<\/h3><\/div><\/div><\/div><\/div>\n\n\n<figure class=\"wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"2560\" height=\"1707\" src=\"https:\/\/www.amlcc.com\/wp-content\/uploads\/2025\/10\/pexels-mart-production-7223036-scaled.jpg\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"What is the role of the MLRO?\" style=\"aspect-ratio:16\/9;width:100%;height:480px;object-fit:cover;\" srcset=\"https:\/\/www.amlcc.com\/wp-content\/uploads\/2025\/10\/pexels-mart-production-7223036-scaled.jpg 2560w, https:\/\/www.amlcc.com\/wp-content\/uploads\/2025\/10\/pexels-mart-production-7223036-300x200.jpg 300w, https:\/\/www.amlcc.com\/wp-content\/uploads\/2025\/10\/pexels-mart-production-7223036-1024x683.jpg 1024w, https:\/\/www.amlcc.com\/wp-content\/uploads\/2025\/10\/pexels-mart-production-7223036-768x512.jpg 768w, https:\/\/www.amlcc.com\/wp-content\/uploads\/2025\/10\/pexels-mart-production-7223036-1536x1024.jpg 1536w, https:\/\/www.amlcc.com\/wp-content\/uploads\/2025\/10\/pexels-mart-production-7223036-2048x1365.jpg 2048w\" sizes=\"auto, (max-width: 2560px) 100vw, 2560px\" \/><\/figure><\/div><\/div>\n\n\n\n<div class=\"wp-block-uagb-container uagb-block-f4715dae alignfull uagb-is-root-container\"><div class=\"uagb-container-inner-blocks-wrap\">\n<div class=\"wp-block-uagb-container uagb-block-f9c6201f\">\n<p class=\"wp-block-paragraph\">Every business with anti-money laundering obligations needs someone ultimately accountable for AML compliance and for handling internal suspicions of money laundering.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Although in&nbsp;<a href=\"https:\/\/www.amlcc.com\/what-is-fatf\/\">FATF<\/a>&nbsp;guidance this person is called a compliance officer, different countries and supervisors use different labels. For example, this person is often called the MLRO, or the Money Laundering Reporting Officer (the title we\u2019ll use in this article).&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The function is the same internationally: someone senior enough to make the call, and accountable when they do. For all regulated professionals, this role sits at the centre of your compliance framework.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What FATF requires<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Recommendation 18 requires businesses to put in place anti-money laundering, counter-terrorist financing and counter-proliferation financing compliance management arrangements, including&nbsp;\u201cthe appointment of a compliance officer at the management level.\u201d&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This person needs enough seniority, authority and access to records to do the job properly, and a direct line to senior management when something needs escalating.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Countries then build this into their own law. In the UK, Regulation 21 of the Money Laundering Regulations 2017 splits the FATF requirement into two roles:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A compliance officer responsible for the business\u2019 overall AML systems and controls, often called the Money Laundering Compliance Officer (MLCO)<\/li>\n\n\n\n<li>A nominated officer who receives and assesses internal suspicions, the MLRO<\/li>\n\n\n\n<li>In smaller businesses, both roles are usually held by the same person<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Other countries structure the same FATF requirement differently, so check how your own regulator has set it up.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The purpose of the MLRO<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The MLRO acts as your business\u2019 single point of contact for anti-money laundering matters. They oversee your compliance with the Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017 and act as the link between your business, your AML supervisor and law enforcement agencies such as the National Crime Agency (NCA).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Their responsibilities typically include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>receiving and assessing internal Suspicious Activity Reports (SARs);<\/li>\n\n\n\n<li>deciding whether to submit a SAR to the NCA;<\/li>\n\n\n\n<li>maintaining and updating the business\u2019s policies, controls and procedures (PCPs);<\/li>\n\n\n\n<li>overseeing AML training and awareness;<\/li>\n\n\n\n<li>ensuring risk assessments and record-keeping are up to date;<\/li>\n\n\n\n<li>representing the business during AML reviews or inspections.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">The role carries personal accountability under the law, which means the MLRO must be both knowledgeable and empowered to act independently when compliance is at stake.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Reviewing and reporting suspicions<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">FATF Recommendation 20 requires businesses to\u00a0\u201creport promptly their suspicions to the financial intelligence unit.\u201d This is the core of an MLRO\u2019s role. When a colleague raises an internal suspicion, the MLRO needs to:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Review the facts and supporting documentation<\/li>\n\n\n\n<li>Decide whether the suspicion is reasonable and justified<\/li>\n\n\n\n<li>Record the reasoning and any next steps taken<\/li>\n\n\n\n<li>Submit an external SAR to the NCA where required<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Some jurisdictions also expect businesses not to proceed with suspicious transactions until consent is given by the relevant authority or a statutory waiting period passes. Your own country&#8217;s law will set out its own version, so check what applies where you&#8217;re regulated.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Keeping your AML framework effective<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The MLRO has overall responsibility for maintaining your business\u2019 AML framework. This includes ensuring that written policies, controls and procedures (PCPs) are:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>reviewed at least annually, or sooner if risks or regulations change;<\/li>\n\n\n\n<li>aligned with the risks identified in your business-wide risk assessment;<\/li>\n\n\n\n<li>understood and followed by staff;<\/li>\n\n\n\n<li>supported by a clear audit trail.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">They must also make sure that AML PCPs are not treated as a formality. The most common compliance failures identified by regulators often stem from generic or outdated documentation that doesn\u2019t reflect the actual risks faced by the business. Those risks should be identified in the business-wide risk assessment.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Overseeing training and awareness<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">FATF Recommendation 18 also requires an ongoing employee training programme. Effective MLROs go further than the minimum. They make AML part of daily working life by:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>tracking completion of training and refresher sessions;<\/li>\n\n\n\n<li>ensuring role-specific training for high-risk areas such as client onboarding or source-of-funds checks;<\/li>\n\n\n\n<li>providing updates when regulations or threats change;<\/li>\n\n\n\n<li>encouraging staff to raise concerns without fear of reprisal.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Training and awareness are core to building a culture of compliance. Everyone in the business should understand the warning signs of money laundering and know when to escalate a concern.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Staying alert to new risks<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The financial crime landscape changes quickly. The MLRO must keep the business informed of new threats, such as:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>emerging technologies, including deepfakes and\u00a0<a href=\"https:\/\/www.amlcc.com\/spotting-fake-ids-in-online-aml-checks\/\">fake\u00a0IDs<\/a>;<\/li>\n\n\n\n<li>sanctions risks linked to geopolitical events;<\/li>\n\n\n\n<li><a href=\"https:\/\/www.amlcc.com\/what-are-the-risks-of-crypto-assets\/\">crypto-assets<\/a>\u00a0and unregulated financial products;<\/li>\n\n\n\n<li>evolving typologies identified by supervisors and law enforcement.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">They must also ensure the business\u2019&nbsp;risk assessment and controls are updated to reflect these developments.&nbsp;The UK&#8217;s 2025 National Risk Assessment, for example, flags weaknesses in many businesses\u2019 ability to assess and respond to technological and cross-border risks. This is a gap that shows up in most jurisdictions, not just the UK.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Liaising with regulators and law enforcement<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The MLRO communicates with external bodies on the business\u2019 behalf, including:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>its supervisory authority;<\/li>\n\n\n\n<li>law enforcement or regulators during inspections;<\/li>\n\n\n\n<li>its national FIU for report submissions.\u00a0<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">During a supervisory visit, they&#8217;ll usually need to provide:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>training records;<\/li>\n\n\n\n<li>current risk assessments;<\/li>\n\n\n\n<li>policies with recent review dates;<\/li>\n\n\n\n<li>report logs and decision records.\u00a0<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Well-documented systems make these reviews smoother and demonstrate compliance in practice.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What makes a good MLRO?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The MLRO needs a mix of technical knowledge, professional judgement and communication skills. The most effective MLROs are:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Authoritative: They\u2019re senior enough to influence decisions and stop risky work<\/li>\n\n\n\n<li>Knowledgeable: They\u2019re well-versed in AML law and current risks<\/li>\n\n\n\n<li>Approachable: They\u2019re trusted by colleagues to handle concerns fairly<\/li>\n\n\n\n<li>Organised: They\u2019re able to maintain records and monitor actions efficiently<\/li>\n\n\n\n<li>Independent: They\u2019re willing to challenge where necessary<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">They must also have enough time and resources to carry out the role effectively, something smaller practices sometimes overlook when appointing an MLRO alongside existing duties.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Why the MLRO role matters<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The MLRO is not simply a compliance officer. They are the person who ensures your business is protected from the financial, regulatory and reputational fallout of money laundering. Their oversight helps prevent criminal abuse of professional services and provides assurance to supervisors that your business takes its obligations seriously.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For regulated professionals, a strong MLRO function is both a legal safeguard and a sign of good governance. By maintaining robust processes, encouraging openness, and staying alert to risk, the MLRO helps your business operate with confidence and integrity.<\/p>\n\n\n\n<div class=\"wp-block-uagb-info-box uagb-block-7e2f0fec uagb-infobox__content-wrap  uagb-infobox-icon-above-title uagb-infobox-image-valign-top has-ast-global-color-4-background-color\"><div class=\"uagb-ifb-content\"><div class=\"uagb-ifb-title-wrap\"><\/div><p class=\"uagb-ifb-desc\"><strong>Explore AMLCC\u2019s online training and platform-wide guidance.<\/strong><\/p><div class=\"uagb-ifb-button-wrapper wp-block-button\"><a href=\"https:\/\/www.amlcc.com\/product-features\/training\/\" class=\"uagb-infobox-cta-link wp-block-button__link\" target=\"_self\" rel=\"noopener noreferrer\" onclick=\"return true;\"><span class=\"uagb-inline-editing\">Learn more<\/span><\/a><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-uagb-container article-cta uag-hide-desktop uagb-block-f6be450a\">\n<div class=\"wp-block-uagb-advanced-heading uagb-block-69b8c097\"><h3 class=\"uagb-heading-text\">The one-stop AML solution<\/h3><\/div>\n\n\n\n<p class=\"has-ast-global-color-6-color has-text-color has-link-color wp-elements-1 wp-block-paragraph\" style=\"margin-top:0px;margin-bottom:0px;font-size:20px;line-height:1.3\">Educate your teams, improve efficiency and achieve AML compliance all in one place, using AMLCC.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-container-core-buttons-is-layout-2 wp-block-buttons-is-layout-flex\" style=\"justify-content: center;\">\n<div class=\"wp-block-button is-style-fill\"><a href=\"\" class=\"wp-block-button__link wp-element-button demo-secondary\" onclick=\"Calendly.initPopupWidget({url: 'https:\/\/calendly.com\/lisa-jco\/amlcc-demo?hide_gdpr_banner=1&#038;primary_color=ff4f5b'});return false;\">Book now<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-uagb-container uag-hide-desktop uagb-block-c5c14d25\">\n<div class=\"wp-block-uagb-advanced-heading uagb-block-a787415a\"><h3 class=\"uagb-heading-text\">We know AML<\/h3><\/div>\n\n\n\n<p class=\"has-ast-global-color-6-color has-text-color has-link-color wp-elements-2 wp-block-paragraph\" style=\"margin-top:0px;margin-bottom:0px;font-size:20px;line-height:1.3\">We\u2019re regulated professionals too. We know what you need to comply with the Regulations.<br><\/p>\n\n\n\n<div class=\"wp-block-uagb-icon-list uagb-block-cffcf54f\"><div class=\"uagb-icon-list__wrap\">\n<div class=\"wp-block-uagb-icon-list-child uagb-block-082e00ee\"><span class=\"uagb-icon-list__source-wrap\"><svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\"><path d=\"M0 256C0 114.6 114.6 0 256 0C397.4 0 512 114.6 512 256C512 397.4 397.4 512 256 512C114.6 512 0 397.4 0 256zM371.8 211.8C382.7 200.9 382.7 183.1 371.8 172.2C360.9 161.3 343.1 161.3 332.2 172.2L224 280.4L179.8 236.2C168.9 225.3 151.1 225.3 140.2 236.2C129.3 247.1 129.3 264.9 140.2 275.8L204.2 339.8C215.1 350.7 232.9 350.7 243.8 339.8L371.8 211.8z\"><\/path><\/svg><\/span><span class=\"uagb-icon-list__label\">We\u2019re internationally recognised AML experts<\/span><\/div>\n\n\n\n<div class=\"wp-block-uagb-icon-list-child uagb-block-ebce1a01\"><span class=\"uagb-icon-list__source-wrap\"><svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\"><path d=\"M0 256C0 114.6 114.6 0 256 0C397.4 0 512 114.6 512 256C512 397.4 397.4 512 256 512C114.6 512 0 397.4 0 256zM371.8 211.8C382.7 200.9 382.7 183.1 371.8 172.2C360.9 161.3 343.1 161.3 332.2 172.2L224 280.4L179.8 236.2C168.9 225.3 151.1 225.3 140.2 236.2C129.3 247.1 129.3 264.9 140.2 275.8L204.2 339.8C215.1 350.7 232.9 350.7 243.8 339.8L371.8 211.8z\"><\/path><\/svg><\/span><span class=\"uagb-icon-list__label\">We work with most accountancy supervisors and the Law Society<\/span><\/div>\n\n\n\n<div class=\"wp-block-uagb-icon-list-child uagb-block-352e4894\"><span class=\"uagb-icon-list__source-wrap\"><svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\"><path d=\"M0 256C0 114.6 114.6 0 256 0C397.4 0 512 114.6 512 256C512 397.4 397.4 512 256 512C114.6 512 0 397.4 0 256zM371.8 211.8C382.7 200.9 382.7 183.1 371.8 172.2C360.9 161.3 343.1 161.3 332.2 172.2L224 280.4L179.8 236.2C168.9 225.3 151.1 225.3 140.2 236.2C129.3 247.1 129.3 264.9 140.2 275.8L204.2 339.8C215.1 350.7 232.9 350.7 243.8 339.8L371.8 211.8z\"><\/path><\/svg><\/span><span class=\"uagb-icon-list__label\">Bespoke AML consultancy available for all sectors<\/span><\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-uagb-buttons uagb-buttons__outer-wrap uagb-btn__default-btn uagb-btn-tablet__default-btn uagb-btn-mobile__default-btn uagb-block-fc153394\"><div class=\"uagb-buttons__wrap uagb-buttons-layout-wrap \">\n<div class=\"wp-block-uagb-buttons-child uagb-buttons__outer-wrap uagb-block-79a4148c wp-block-button\"><div class=\"uagb-button__wrapper\"><a class=\"uagb-buttons-repeater wp-block-button__link\" aria-label=\"\" href=\"https:\/\/www.amlcc.com\/consult\/\" rel=\"follow noopener\" target=\"_self\" role=\"button\"><div class=\"uagb-button__link\">Find out more<\/div><\/a><\/div><\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-uagb-container uagb-block-99e38104\">\t\t\t\t<div class=\"wp-block-uagb-table-of-contents uagb-toc__align-left uagb-toc__columns-1  uagb-block-1daea5fd article-toc     \"\n\t\t\t\t\tdata-scroll= \"1\"\n\t\t\t\t\tdata-offset= \"30\"\n\t\t\t\t\tstyle=\"\"\n\t\t\t\t>\n\t\t\t\t<div class=\"uagb-toc__wrap\">\n\t\t\t\t\t\t<div class=\"uagb-toc__title\">\n\t\t\t\t\t\t\tJump to:\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"uagb-toc__list-wrap \">\n\t\t\t\t\t\t<ol class=\"uagb-toc__list\"><li class=\"uagb-toc__list\"><a href=\"#what-fatf-requires\" class=\"uagb-toc-link__trigger\">What FATF requires<\/a><li class=\"uagb-toc__list\"><a href=\"#the-purpose-of-the-mlro\" class=\"uagb-toc-link__trigger\">The purpose of the MLRO<\/a><li class=\"uagb-toc__list\"><a href=\"#reviewing-and-reporting-suspicions\" class=\"uagb-toc-link__trigger\">Reviewing and reporting suspicions<\/a><li class=\"uagb-toc__list\"><a href=\"#keeping-your-aml-framework-effective\" class=\"uagb-toc-link__trigger\">Keeping your AML framework effective<\/a><li class=\"uagb-toc__list\"><a href=\"#overseeing-training-and-awareness\" class=\"uagb-toc-link__trigger\">Overseeing training and awareness<\/a><li class=\"uagb-toc__list\"><a href=\"#staying-alert-to-new-risks\" class=\"uagb-toc-link__trigger\">Staying alert to new risks<\/a><li class=\"uagb-toc__list\"><a href=\"#liaising-with-regulators-and-law-enforcement\" class=\"uagb-toc-link__trigger\">Liaising with regulators and law enforcement<\/a><li class=\"uagb-toc__list\"><a href=\"#what-makes-a-good-mlro\" class=\"uagb-toc-link__trigger\">What makes a good MLRO?<\/a><li class=\"uagb-toc__list\"><a href=\"#why-the-mlro-role-matters\" class=\"uagb-toc-link__trigger\">Why the MLRO role matters<\/a><\/ol>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\n\n\n<div class=\"wp-block-uagb-container article-cta uag-hide-tab uag-hide-mob uagb-block-9b41d3fe\">\n<div class=\"wp-block-uagb-advanced-heading uagb-block-28078d4a\"><h3 class=\"uagb-heading-text\">The one-stop AML solution<\/h3><\/div>\n\n\n\n<p class=\"has-ast-global-color-6-color has-text-color has-link-color wp-elements-3 wp-block-paragraph\" style=\"margin-top:0px;margin-bottom:0px;font-size:20px;line-height:1.3\">Educate your teams, improve efficiency and achieve AML compliance all in one place, using AMLCC. <\/p>\n\n\n\n<p class=\"has-ast-global-color-6-color has-text-color has-link-color wp-elements-4 wp-block-paragraph\" style=\"margin-top:0px;margin-bottom:0px;font-size:20px;line-height:1.3\">Talk to our experts about how we can help you secure your business.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-container-core-buttons-is-layout-2 wp-block-buttons-is-layout-flex\" style=\"justify-content: center;\">\n<div class=\"wp-block-button is-style-fill\"><a href=\"\" class=\"wp-block-button__link wp-element-button demo-secondary\" onclick=\"Calendly.initPopupWidget({url: 'https:\/\/calendly.com\/lisa-jco\/amlcc-demo?hide_gdpr_banner=1&#038;primary_color=ff4f5b'});return false;\">Book a demo<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"uagb-position__sticky wp-block-uagb-container uag-hide-tab uag-hide-mob uagb-block-353bcb12\">\n<div class=\"wp-block-uagb-advanced-heading uagb-block-45cdaeb7\"><h3 class=\"uagb-heading-text\">We know AML<\/h3><\/div>\n\n\n\n<p class=\"has-ast-global-color-6-color has-text-color has-link-color wp-elements-5 wp-block-paragraph\" style=\"margin-top:0px;margin-bottom:0px;font-size:20px;line-height:1.3\">We\u2019re regulated professionals too. We know what you need to comply with the Regulations.<br><\/p>\n\n\n\n<div class=\"wp-block-uagb-icon-list uagb-block-b41f0db0\"><div class=\"uagb-icon-list__wrap\">\n<div class=\"wp-block-uagb-icon-list-child uagb-block-333d0a11\"><span class=\"uagb-icon-list__source-wrap\"><svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\"><path d=\"M0 256C0 114.6 114.6 0 256 0C397.4 0 512 114.6 512 256C512 397.4 397.4 512 256 512C114.6 512 0 397.4 0 256zM371.8 211.8C382.7 200.9 382.7 183.1 371.8 172.2C360.9 161.3 343.1 161.3 332.2 172.2L224 280.4L179.8 236.2C168.9 225.3 151.1 225.3 140.2 236.2C129.3 247.1 129.3 264.9 140.2 275.8L204.2 339.8C215.1 350.7 232.9 350.7 243.8 339.8L371.8 211.8z\"><\/path><\/svg><\/span><span class=\"uagb-icon-list__label\">We\u2019re internationally recognised AML experts<\/span><\/div>\n\n\n\n<div class=\"wp-block-uagb-icon-list-child uagb-block-b485c460\"><span class=\"uagb-icon-list__source-wrap\"><svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\"><path d=\"M0 256C0 114.6 114.6 0 256 0C397.4 0 512 114.6 512 256C512 397.4 397.4 512 256 512C114.6 512 0 397.4 0 256zM371.8 211.8C382.7 200.9 382.7 183.1 371.8 172.2C360.9 161.3 343.1 161.3 332.2 172.2L224 280.4L179.8 236.2C168.9 225.3 151.1 225.3 140.2 236.2C129.3 247.1 129.3 264.9 140.2 275.8L204.2 339.8C215.1 350.7 232.9 350.7 243.8 339.8L371.8 211.8z\"><\/path><\/svg><\/span><span class=\"uagb-icon-list__label\">We work with most accountancy supervisors and the Law Society<\/span><\/div>\n\n\n\n<div class=\"wp-block-uagb-icon-list-child uagb-block-c0d2ec75\"><span class=\"uagb-icon-list__source-wrap\"><svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\"><path d=\"M0 256C0 114.6 114.6 0 256 0C397.4 0 512 114.6 512 256C512 397.4 397.4 512 256 512C114.6 512 0 397.4 0 256zM371.8 211.8C382.7 200.9 382.7 183.1 371.8 172.2C360.9 161.3 343.1 161.3 332.2 172.2L224 280.4L179.8 236.2C168.9 225.3 151.1 225.3 140.2 236.2C129.3 247.1 129.3 264.9 140.2 275.8L204.2 339.8C215.1 350.7 232.9 350.7 243.8 339.8L371.8 211.8z\"><\/path><\/svg><\/span><span class=\"uagb-icon-list__label\">Bespoke AML consultancy available for all sectors<\/span><\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-uagb-buttons uagb-buttons__outer-wrap uagb-btn__default-btn uagb-btn-tablet__default-btn uagb-btn-mobile__default-btn uagb-block-27986e97\"><div class=\"uagb-buttons__wrap uagb-buttons-layout-wrap \">\n<div class=\"wp-block-uagb-buttons-child uagb-buttons__outer-wrap uagb-block-5e096d1b wp-block-button\"><div class=\"uagb-button__wrapper\"><a class=\"uagb-buttons-repeater wp-block-button__link\" aria-label=\"\" href=\"https:\/\/www.amlcc.com\/consult\/\" rel=\"follow noopener\" target=\"_self\" role=\"button\"><div class=\"uagb-button__link\">Find out more<\/div><\/a><\/div><\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-uagb-container half-blue-desktop uagb-block-89ea4904 alignfull uagb-is-root-container\">\n<div class=\"wp-block-uagb-container uagb-block-fdab8534\">\n<div class=\"wp-block-uagb-advanced-heading uagb-block-52a83ed5\"><h3 class=\"uagb-heading-text\">What others have said<\/h3><\/div>\n\n\n\n<div class=\"wp-block-uagb-slider amlcc-testimonial-slider uagb-block-6c68dd50 uagb-slider-container\"><div class=\"uagb-slides uagb-swiper\"><div class=\"swiper-wrapper\">\n<div class=\"wp-block-uagb-slider-child uagb-slider-child-wrap swiper-slide uagb-block-b998a2d4\"><div class=\"swiper-content\">\n<div class=\"wp-block-uagb-container uagb-block-04f3c45e\">\n<div class=\"wp-block-uagb-container uagb-block-02c01de1\">\n<div class=\"wp-block-uagb-advanced-heading uagb-block-b215507c\"><h3 class=\"uagb-heading-text\">&#8220;We had the man from the ICAEW here yesterday to carry out a QAD practice review. We got a clean bill of health \u2013 not a single action point\u2026That is in no small measure due to AMLCC so I just wanted to say \u2018thank you\u2019&#8221;<\/h3><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-uagb-container uagb-block-949a56df\">\n<figure class=\"wp-block-image aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"550\" height=\"812\" src=\"https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/testimonial-1.jpg\" alt=\"\" class=\"wp-image-495\" style=\"aspect-ratio:3\/4;object-fit:contain;width:auto;height:382px\" srcset=\"https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/testimonial-1.jpg 550w, https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/testimonial-1-203x300.jpg 203w\" sizes=\"auto, (max-width: 550px) 100vw, 550px\" \/><\/figure>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-uagb-slider-child uagb-slider-child-wrap swiper-slide uagb-block-cc23ebfe\"><div class=\"swiper-content\">\n<div class=\"wp-block-uagb-container uagb-block-af8628f6\">\n<div class=\"wp-block-uagb-container uagb-block-9e1b5830\">\n<div class=\"wp-block-uagb-advanced-heading uagb-block-bdd14157\"><h3 class=\"uagb-heading-text\">&#8220;Thank you for such a perfect and informative [solution]. You have given me a clear direction for my AML training and CPD.&#8221;<br><\/h3><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-uagb-container uagb-block-ef336e36\">\n<figure class=\"wp-block-image aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"550\" height=\"786\" src=\"https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/testimonial-2.jpg\" alt=\"\" class=\"wp-image-496\" style=\"aspect-ratio:3\/4;object-fit:contain;width:auto;height:382px\" srcset=\"https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/testimonial-2.jpg 550w, https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/testimonial-2-210x300.jpg 210w\" sizes=\"auto, (max-width: 550px) 100vw, 550px\" \/><\/figure>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-uagb-slider-child uagb-slider-child-wrap swiper-slide uagb-block-040a7367\"><div class=\"swiper-content\">\n<div class=\"wp-block-uagb-container uagb-block-3b2e0080\">\n<div class=\"wp-block-uagb-container uagb-block-64ce7dad\">\n<div class=\"wp-block-uagb-advanced-heading uagb-block-3d47ccc6\"><h3 class=\"uagb-heading-text\">&#8220;I just wanted to say \u2018thank you\u2019 to you, Richard, and all the team at AMLCC for providing a service that really does minimise the burden of AML compliance.&#8221;<br><\/h3><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-uagb-container uagb-block-e1d755c8\">\n<figure class=\"wp-block-image aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"550\" height=\"732\" src=\"https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/testimonial-3.jpg\" alt=\"\" class=\"wp-image-494\" style=\"aspect-ratio:3\/4;object-fit:contain;width:auto;height:382px\" srcset=\"https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/testimonial-3.jpg 550w, https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/testimonial-3-225x300.jpg 225w\" sizes=\"auto, (max-width: 550px) 100vw, 550px\" \/><\/figure>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-uagb-slider-child uagb-slider-child-wrap swiper-slide uagb-block-403770d4\"><div class=\"swiper-content\">\n<div class=\"wp-block-uagb-container uagb-block-a0d5a66b\">\n<div class=\"wp-block-uagb-container uagb-block-a9b0dbd5\">\n<div class=\"wp-block-uagb-advanced-heading uagb-block-302585b3\"><h3 class=\"uagb-heading-text\">&#8220;What a refreshing pleasure working with a company who actually listens to the feedback from their customers and communicates with them!&#8221;<br><\/h3><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-uagb-container uagb-block-64782dba\">\n<figure class=\"wp-block-image aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"550\" height=\"732\" src=\"https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/testimonial-4.jpg\" alt=\"\" class=\"wp-image-497\" style=\"aspect-ratio:3\/4;object-fit:contain;width:auto;height:382px\" srcset=\"https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/testimonial-4.jpg 550w, https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/testimonial-4-225x300.jpg 225w\" sizes=\"auto, (max-width: 550px) 100vw, 550px\" \/><\/figure>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-uagb-slider-child uagb-slider-child-wrap swiper-slide uagb-block-9b9b7e36\"><div class=\"swiper-content\">\n<div class=\"wp-block-uagb-container uagb-block-3a9f75d3\">\n<div class=\"wp-block-uagb-container uagb-block-aa8435c0\">\n<div class=\"wp-block-uagb-advanced-heading uagb-block-afe45a8b\"><h3 class=\"uagb-heading-text\">&#8220;Your team they have been excellent from the moment Fiona did a demo for me with only 15 minutes notice, and thoroughly going through the AMLCC product, answering the many questions I had! It was at this point at which I made up my mind this is the sort of business I want to work with for my AML.&#8221;<br><\/h3><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-uagb-container uagb-block-8f4648c6\">\n<figure class=\"wp-block-image aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"550\" height=\"798\" src=\"https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/testimonial-5.jpg\" alt=\"\" class=\"wp-image-498\" style=\"aspect-ratio:3\/4;object-fit:contain;width:auto;height:382px\" srcset=\"https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/testimonial-5.jpg 550w, https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/testimonial-5-207x300.jpg 207w\" sizes=\"auto, (max-width: 550px) 100vw, 550px\" \/><\/figure>\n<\/div>\n<\/div>\n<\/div><\/div>\n<\/div><\/div><div class=\"swiper-pagination\"><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-uagb-container uagb-block-bd594624\">\n<div class=\"wp-block-uagb-advanced-heading uagb-block-deefd48d\"><h3 class=\"uagb-heading-text\">Making compliance easier<\/h3><\/div>\n\n\n\n<div class=\"wp-block-uagb-image aligncenter uagb-block-94cd8a56 wp-block-uagb-image--layout-default wp-block-uagb-image--effect-static wp-block-uagb-image--align-center\"><figure class=\"wp-block-uagb-image__figure\"><img decoding=\"async\" src=\"https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/image-22-1.png\" alt=\"AMLCC newsroom\" class=\"uag-image-1454\" width=\"700\" height=\"450\" title=\"image-22-1\" loading=\"lazy\" role=\"img\" \/><\/figure><\/div>\n\n\n\n<div class=\"wp-block-uagb-buttons uagb-buttons__outer-wrap uagb-btn__default-btn uagb-btn-tablet__default-btn uagb-btn-mobile__default-btn uagb-block-d88e5ed5\"><div class=\"uagb-buttons__wrap uagb-buttons-layout-wrap \">\n<div class=\"wp-block-uagb-buttons-child uagb-buttons__outer-wrap uagb-block-762fbc5a wp-block-button\"><div class=\"uagb-button__wrapper\"><a class=\"uagb-buttons-repeater wp-block-button__link\" aria-label=\"\" href=\"\/press\/\" rel=\"follow noopener\" target=\"_self\" role=\"button\"><div class=\"uagb-button__link\">View more articles<\/div><\/a><\/div><\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Every business with anti-money laundering obligations needs someone ultimately accountable for AML compliance and for handling internal suspicions of money laundering.&nbsp; Although in&nbsp;FATF&nbsp;guidance this person is called a compliance officer, different countries and supervisors use different labels. For example, this person is often called the MLRO, or the Money Laundering Reporting Officer (the title we\u2019ll [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":9815,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"unboxed","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[1],"tags":[],"class_list":["post-9838","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>What Is The Role Of The MLRO? 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